As a general rule just about any debt can be consolidated. Come prepared with a list of the debts you have. Then you and the loan officer can work out what debts will be most beneficial to put on the consolidation loan. Here is a list of debts that are possible to do.
- Judgments
- Student loans
- Car loans
- Credit cards
- Home improvements
- Personal loans
- Payday loans
- Tax Liens
- Back child support
This is just a list of ideas. The basic idea is to help alleviate the problem by either lowering the interest rates and/or monthly payments. If you can't do one or both it may not be a good idea. Yes, making one payment to one company is easier, but will it save you money in the long run? When you're able to sit down and look at what your debts are and figure out what your Debt To Income (DTI) is you can find a way to set the loan up to do the most good for you.
"I just want to drop you a quick note. You guys need to know how appreciative I am of your services. I had a judgment on my credit report that wasn't even mine and you guys were able to remove this item and a few items that also were on my credit. Thank you once again." 
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